Ranked by rate alone. No paid placements: who pays us has no say in the order.
Read from each bank's own website, 3 November 2026. Accounts open to new customers.
4 years fixed
Rate fixed for about 4 years; usually no access until the term ends.
13 accounts, highest AER first
4 years fixed, ranked by AER, highest first. Top 5 shown
Rank#
Account
AER
Min to open
1
Aldermore 4 Year Fixed Rate Savings AccountFixed for 4 years · from £1,000Beats inflationAged 18+, UK resident and only UK tax residentDetails for Aldermore 4 Year Fixed Rate Savings Account
Access
No withdrawals until the term ends.
Conditions
Aged 18+, UK resident and only UK tax resident. Not available to US Persons or in trust.
Interest paid
Once a year
Manage by
Online
FSCS licence
Aldermore Bank PLC
Deposit-taker
Aldermore, a trading name of Aldermore Bank PLC
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 204503)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £1,370m at 30 June 2024 (latest published accounts).
Ikano Bank Fixed 4 Year SaverFixed for 4 years · from £1,000Beats inflationDetails for Ikano Bank Fixed 4 Year Saver
Access
No withdrawals before maturity (exceptional circumstances only).
Maximum
£1,000,000
Conditions
Interest annually at the AER shown, or monthly at a lower gross rate. Pay at least £1,000 within 14 days of applying; one-off electronic payments only. Apply and manage online or by phone.
Interest paid
Once a year
Manage by
Online, Phone
FSCS licence
Ikano Bank AB (publ)
Deposit-taker
Ikano Bank, a trading name of Ikano Bank AB (publ)
Incorporated in
Sweden
Principal place of business
United Kingdom (UK branch)
Regulated
Yes, by the Swedish Financial Supervisory Authority (Finansinspektionen), Prudential Regulation Authority and Financial Conduct Authority (FRN 409120)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of SEK 9,321m at 31 December 2024 (latest published accounts).
thisbank 4-Year Fixed Term DepositFixed for 4 years · from £100Beats inflationSole accounts only; open online or in the appDetails for thisbank 4-Year Fixed Term Deposit
Access
No withdrawals during the term (14-day cooling-off; exceptional circumstances only).
Maximum
£500,000
Conditions
UK resident aged 18+ with a UK mobile, email and UK bank account. Sole accounts only; open online or in the app. Interest paid annually and at maturity.
Interest paid
Once a year
Manage by
Online, Mobile app
FSCS licence
THIS BANK LIMITED
Deposit-taker
thisbank, a trading name of THIS BANK LIMITED
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 832786)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £25.6m at 31 March 2025 (latest published accounts).
Highest AER first, then the lower minimum deposit. Ranking rules version 1.2.0. AER shows what you'd earn in a year including any bonus. Rates can change at any time: check with the bank before you apply. Lifetime ISA rates are the provider's interest only; the government's 25% bonus is not in the AER. Lifetime ISAs, Junior ISAs and children's accounts are ranked only against their own kind, and Premium Bonds, which pay prizes rather than interest, are never ranked: see NS&I and Premium Bonds. NS&I accounts are backed by HM Treasury, not the FSCS. We list accounts held directly with the bank, not savings sold through apps and platforms such as Revolut, Trading 212 or Raisin. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank, what we don't list and how we're paid.
